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Personal Loans

Turn your vision into a reality.

An American Express NextStepSM Loan can help you realize your vision so you can spend less time thinking about what ifs and more energy on what your next step will be.

Cook up your next home improvement project

The cabinets are in and appliances are on the way. But the countertop of your dreams is just out of reach with your original budget. Let NextStep Loans work with you to put the finishing touches into place.

Pay for the perfect wedding

You've found your soul mate. Now comes the big step — from save the dates to booking the venue. NextStep Loans can deliver the funds you need with the flexibility you want to make your perfect wedding come to life.

Make moving easier

It's time to stock up on packing supplies and hire movers. With NextStep Loans, we can help you make your next step, whether it's near or far, smoother.

Go on an ultimate getaway

When the perfect adventure comes along, you want to jump in with both feet. But funds aren't always available when opportunity knocks. Get the funds you need quickly with a NextStep Loan — so you can say `yes' and never look back.

How It Works

Fixed interest rate loans with your choice of repayment period.

With NextStep Loans, you have the service and reliability of American Express by your side, helping you turn your vision into reality.


Tell us where you want us to send your loan funds and the amount you need up to your pre-approved amount.

Log in to your American Express account to see if you've been pre-approved for a loan amount and APR. Then apply for your loan at your pre-approved rate.


Select the monthly payment option that works for you.

To apply, tell us how much you want to borrow and choose one of three repayment periods that best meets your needs. Then see what your monthly payment could be.


If approved, review the terms of your loan. If you accept, we’ll distribute your loan funds.

If you're approved, you can review the terms of your loan. If you accept your loan, we will send the loan funds directly to you.

Small steps and big steps all start with a next step.